Three major cases are on the list! Xinhua Insurance was selected as the “Typical Case of Inclusive Insurance” in the industry
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On April 12, the Insurance Association of China released “Typical Cases of Inclusive Insurance”. Three major cases of Xinhua Insurance are on the list – “Securing the elderly to enjoy their old age, “Silver Care” protects the elderly” “Protecting and benefiting people’s livelihood, “Silver Station” helps harmonious financial ecology” “To 100 cities across the country” Nearly one million sanitation workers are provided with exclusive personal accident insurance coverage. “Exclusive personal accident insurance coverage” was also selected as a “Typical Case of Inclusive Insurance”.
Among them, “The elderly are protected and enjoy their old age, and “worry-free” protects the elderly.”Among the “20 Key Publicity Cases of Inclusive Insurance”. This case introduces the ““Yinfa Wuyou” Comprehensive Accident Injury Insurance Product for the Elderly(Hereinafter referred to as “Silver Worry-free”).By the end of 2023, “Silver Worry-Free” will cover nearly12.7338 million people.The proportion of elderly people (Shanghai) participating in insurance in each of the past three years is approximatelyMore than 15%has won the Shanghai Inclusive Financial Social Welfare Award, etc.It has become a word-of-mouth project in the industry.
“Let it benefit the people”Ensure the elderly have a sense of gain
As early as the end of 2005, the number of elderly people in Shanghai had reached 2.6637 million, accounting for 19.58% of the registered population. In the field of insurance for the elderly, there are pain points such as high age limits for insurance, low insurance leverage, strict health notification requirements, and few market participants. Personal accident insurance for the elderly has always been blank.
New China Insurance Shanghai Branch adheres to the principle of “benefiting the people and providing inclusive insurance” and launches the “Silver Worry-free” comprehensive accident insurance product for the elderly, which has the characteristics of “focusing on accident risks for the elderly”, “low premium of only 20 yuan” and “insurance age”. With four features: “no cap” and “no underwriting required without health notification”, 180,000 people took out the insurance in the first year of its launch.
The Ministry of Civil Affairs, the National Office on Aging, and the former China Insurance Regulatory Commission highly affirmed this innovative work, believing that it effectively fills the domestic gap in the absence of personal accident protection for the elderly after retirement, and makes useful explorations for actively building a comprehensive security system for the elderly. .
“Improved protection”Demonstrate the responsibility of state-owned enterprises
Over the past two decades, the “Silver Worry-Free” project has been continuously innovated and upgraded. The premium has remained unchanged, but the coverage has increased year by year. From the initial two major responsibilities, it now covers 13 major responsibilities such as accidental injury and death, accidental injury medical treatment, fracture and fracture allowance, transportation, travel accidents, food poisoning, etc. The increase in the eight major insurance amounts fully demonstrates Xinhua Insurance’s commitment to the elderly. In-depth understanding and meticulous care of people’s insurance needs.
During the epidemic, New China Insurance also took the initiative to include liability for death and total disability caused by COVID-19 into the coverage. In February 2022, an elderly man named Z from XX Town, Putuo District, Shanghai, died after being hospitalized after being infected with COVID-19. New China Insurance Shanghai Branch quickly settled a claim of 100,000 yuan and fulfilled its social responsibility with practical actions.
Government-enterprise cooperationConvenient services are quickly accessible
The “Silver Worry-Free” project adopts the model of “government guidance, corporate profit sharing, and market-oriented operation”, applying the economic compensation and social management mechanisms of insurance in serving the elderly.
Government administrative units have given full play to the power of grassroots organizations. More than 200 streets and more than 5,000 neighborhood committees in Shanghai have assisted individuals in participating in insurance and providing services; the Shanghai Municipal Retirement Management Committee has promoted the project in government agencies, enterprises and institutions; Xinhua Insurance Shanghai Branch Responsible for the formulation of plans, underwriting and claims settlement, training and publicity, etc. to ensure the stable operation of the project.
“Four haves” and “three characteristics” services add a sense of gain
In order to provide better services, New China Insurance Shanghai Branch has improved the service system with the “four haves”, improved the service experience with the “three characteristics”, and opened up exclusive service content and channels for the elderly.
“Four things” means that there are staff from government organizations and neighborhood committees responsible for docking; there is a dedicated team of insurance companies responsible for all-round services; there is a dedicated 95567 and senior citizen hotline to provide consultation and answers for the elderly; there is a dedicated “fast claim settlement, excellent service” claims channel for the senior citizen Protect and protect. “Three characteristics”, that is, the convenience of the elderly being able to contact the village neighborhood committee to report the case as soon as possible after an accident; the insurance company’s exclusive reporting hotline and the exclusivity of Shanghai-speaking customer service personnel; and the front-end service specialists, mid-end consultants, and back-end Professionalism of claims adjusters.
In 2016, Aunt Z from XX Street, Hongkou District, Shanghai accidentally fell and fractured her bones. The neighborhood committee immediately contacted the police to report the case. Service staff from Xinhua Insurance Shanghai Branch came to the door many times despite the high temperature to provide care and claim services. Aunt Z and her family were very moved, saying that they only paid 40 yuan in premiums, but received more than 1,000 yuan in claims. payment and care from all parties.
Build project brands to promote the development of inclusive finance
As the Silver Care-free Project has gained popularity, New China Insurance Shanghai Branch has continued to connect with government projects, expand the scope of people, participate in public welfare activities, enrich the connotation and extension of the project, and demonstrate the responsibility of state-owned enterprises.
At present, Anhui, Shandong, Tianjin and other places have introduced the practices of Shanghai’s Silver Worry-Free Project to provide comprehensive security plans for local elderly people, providing a new development path for promoting the sustainability, replicability and promotion of typical projects in the insurance industry.
In the future, New China Insurance will actively integrate into the overall development of the country, use new productivity as the driving force to explore new innovative development paths for projects, open online insurance channels, and further increase the number of people covered through the combination of “online + offline”. At the same time, New China Insurance will further promote the effective supply of diversified and inclusive insurance and extended services, and contribute Xinhua’s strength to the development of inclusive finance.
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